financialBudyie is a financial planning tool providing indicative calculations and educational information only. Nothing on this platform constitutes financial advice as defined in the Financial Advisory and Intermediary Services Act 37 of 2002 (FAIS). All projections are estimates based on inputs you provide and assumptions built into the models. They are not guarantees of future outcomes. Market conditions, legislative changes, and personal circumstances can materially affect any projection.
TAFEMA (Pty) Ltd is the operator of financialBudyie. This platform provides financial planning education tools only and is not a licensed Financial Services Provider under FAIS. Regulatory queries and complaints regarding FSP conduct may be directed to the FSCA at complaints@fsca.co.za or www.fsca.co.za.
TAFEMA (Pty) Ltd shall not be liable for any loss, whether direct, indirect, consequential, or financial, arising from reliance on calculations, projections, or AI-generated content on this platform. Tax calculations are based on published SARS tables effective at the date shown and may not reflect the most recent legislative changes. You are responsible for verifying all tax obligations with a registered tax practitioner before filing any return or making any payment.
The AI assistant is powered by a third-party large language model (Anthropic Claude). Responses are generated automatically and have not been reviewed by a licensed financial advisor. Do not make any financial decision solely based on AI assistant output. AI responses may contain errors, omissions, or outdated information. AI queries include anonymised financial parameters. By using the AI assistant you consent to this processing as described in our Privacy Notice.
The accuracy of all outputs depends entirely on the accuracy of inputs you provide. You are responsible for ensuring that all data entered is correct and up to date. TAFEMA (Pty) Ltd accepts no liability for outputs derived from incorrect or incomplete inputs.
By using this platform you consent to the processing of your personal information as described in our Privacy Notice. Your data is processed by Supabase (Ireland) as a data operator. AI queries are processed by Anthropic PBC (USA). Both are subject to binding data processing agreements. You have the right to access, correct, or delete your personal information at any time by contacting info@tafema.co.za. You may withdraw consent at any time by closing your account.
This platform is intended for use by South African residents and financial advisors operating under FAIS. You may not use this platform for commercial redistribution of calculations, automated scraping, or any purpose that would constitute the rendering of financial advice without FSP authorisation. Misuse of the AI assistant to generate investment recommendations for distribution to third parties is expressly prohibited.
All calculation methodologies, user interface designs, branding, and platform content are the intellectual property of TAFEMA (Pty) Ltd. Unauthorised reproduction, redistribution, or commercial use of any part of the platform is prohibited.
These terms are governed by the laws of the Republic of South Africa. Any disputes shall be subject to the exclusive jurisdiction of the South African courts. By creating an account or using the platform you accept these terms in full.